Financially Well Off

Create the Perfect Environment to Be Successful With Money

Javier Gutierrez is a finance blogger and online marketing entrepreneur. His work has been featured in major sites such as the Huffington Post, Bank Rate, and many more. He blogs at DreamerMoney where he aims to help other D.R.E.A.M.ers and DACAmented students improve their finances.

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Resources Mentioned

3 Key Takeaways

  1. Be self-aware to know when to give yourself breaks from work to avoid burning out.
  2. The best money lessons don't have to be complicated, only practical.
  3. Have the mindset to earn more money so that you can help more people.

Podcast Interview Notes:

1. How do you start your day?

I’m a full-time middle school teacher. I work from 8:00 in the morning till 4:00 PM out here in Austin, Texas. Most of my side hustling that I do is after school, in the afternoons.

That’s also the peak time of my energy. Sometimes I’ll work early in the morning. I try to wake up at 5:30 in the morning, get some coffee and maybe do a little work. 

2. What's your biggest challenge that you're facing right now with managing your money?

For me, it’s making more money so that I can spread my financial advice to others. Then at the same time, it’s like, okay, it’s on the savings account but how much can I put towards my mutual funds or my other investing for retirement or anything like that?

Along with this comes with the budgeting challenge of knowing where to put your extra money. 

3. What would be the best advice you've received regarding money?

It was was from a family member who’s really good at investing. He taught me a few things about investing in mutual funds. Because he gave me his advice I was planning on hiring a financial advisor to manage my money.

After learning more about investing through reading books I became a huge fan of Vanguard. 

4. How do you balance your work and personal life?

Honestly, I enjoy what I do. From running the blog, and so balancing my professional job. It’s important to know when to relax and when to work harder.

For example, be aware of when you’re close to burnout out and say, “I need to stop whatever I’m doing and go hang out with family, or watch a movie.” 

5. Is there any book that you'd recommend?

Thou Shall Prosper, by Rabbi Lapin.

We have this perspective that earning a lot of money is a bad thing. But Rabbi really puts it into perspective by saying it’s like anything else. For example, there are bad cops and good cops. Similar to this analogy, money can be both good or bad, depending on how we use it.

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About the Author Chris

Chris writes personal finance and productivity articles for software companies. He gets fresh ideas through continuously investing in himself and interviewing successful entrepreneurs.

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